Calculators
Free Coast FIRE calculator to track your progress toward financial independence
Ahrefs Domain Rating set in type 6 Nov 2026, reset 5 Nov 2026.
Free calculator to find your Coast FIRE number and track progress toward your FIRE goal as your portfolio changes over time.
WorthCay is a free Coast FIRE calculator that helps you find your Coast FIRE number and full FIRE number, then tracks your progress over time. Coast FIRE means your invested nest egg is already large enough that, with no further retirement contributions, expected market growth can still reach your full FIRE number by your chosen retirement age.
The calculator takes your age, retirement spending target, current portfolio balance, and investment assumptions as inputs, then calculates your Coast FIRE threshold, full FIRE target, and years until you reach Coast FIRE. After you run the numbers, you can save your goal and log portfolio updates to compare your actual net worth against your goal as balances change.
WorthCay helps you organize multiple account types—401(k), IRA, Roth, brokerage, HSA, and more—so your Coast FIRE progress stays tied to real account balances. You can adjust retirement age, returns, or contributions and immediately see how your gap changes, and you can return to your saved plan instead of starting from a blank form each time.
Pricing model: Freemium
Free plan with 90-day trial: up to 20 accounts, 3 months snapshot history, multi-currency support, advanced charts, data export. Premium Monthly: $6/month with unlimited accounts and unlimited snapshot history. Premium Yearly: $59.99/year with all features unlocked.
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Measured after WorthCay went live on Zivaro Launch on 5 November 2026.
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Coast FIRE means your invested nest egg is already large enough that, with no further retirement contributions, expected market growth can still reach your full FIRE number by your chosen retirement age. You usually still need earned income for day-to-day spending until you actually retire. Full FIRE means your nest egg is large enough that a sustainable withdrawal rate covers planned spending and work is optional.
No. Anyone can run the calculator without signing up. You only need to sign up when you want to save your Coast FIRE goal and progress history so that your next visit is not a blank form.
WorthCay uses approximately 7% nominal expected return as a neutral starting point for a diversified stock-heavy portfolio, approximately 3% inflation (with real return being nominal return minus inflation), and 4% safe withdrawal rate when converting spending into a full FIRE number.
The public calculator answers your Coast FIRE number in one sitting. After that, WorthCay is built so you can save the plan and compare Actual vs Goal as balances change—not re-enter everything every quarter like you would in a spreadsheet.
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